Investopoly

Stuart Wemyss & Campbell Wallace
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Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.auWe also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.

  1. 1D AGO

    Ep 399: The Forever Test: Probably the most important concept investors must understand

    Read Full Blog Here Register Here In this episode, Stuart explores what he believes is the single most important principle in long-term investing: choosing assets that are most likely to deliver the highest average return over the next 20–30+ years, and ideally much longer. He explains why successful investors focus on lifetime compounding rather than short-term market noise, and how the real power of compounding only becomes obvious after decades of patience. Stuart walks through why investment decisions should always be framed around the question: Would I be comfortable owning this asset forever? The discussion also covers the practical levers investors can control to maximise long-term outcomes. That includes minimising fees and tax drag so more returns can compound, selecting assets where growth is driven largely by unrealised capital appreciation, and structuring ownership correctly from the beginning. Stuart also highlights the often-overlooked behavioural side of investing. The best investments are not just those with strong fundamentals; they are the ones that require minimal time, emotional energy, and decision-making so investors can stick with them through market cycles. Finally, he explains how this principle applies across asset classes from ETFs built around durable indexes to investment-grade property in supply-constrained locations, and why resisting short-term “shiny object” strategies is essential for building meaningful wealth over time. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    37 min

  2. 2D AGO

    Q&A - Bitcoin, debt recycling & the 6-year rule: smart structuring for financial independence

    Register Here In this wide-ranging Q&A episode, Stuart tackles advanced strategy questions across crypto, capital gains tax, debt recycling, super structuring, and long-term portfolio design. First, he unpacks the tax realities of holding Bitcoin via an ETF versus direct ownership, including whether using Bitcoin as a future currency actually avoids CGT (spoiler: the tax system doesn’t work that way). He also explores custody risk and what “safest” really means when holding digital assets directly. The episode then shifts to a couple crystallising a large capital gain and weighing up debt recycling, super contributions, and leveraging through NAB Equity Builder. Stuart breaks down the maths of deductible versus non-deductible debt, Div 293 considerations, and how to balance tax efficiency with flexibility and early financial independence. He also revisits the six-year rule for CGT on former principal residences, clarifying eligibility, deductibility during exemption periods, valuation strategies, and whether banks need to be notified when occupancy changes. Finally, for a defined benefit member building wealth outside super, Stuart explores portfolio diversification beyond property and how defined benefit interests interact with the $2 million transfer balance cap. A technical but practical episode focused on sequencing, structure, and preserving optionality on the path to financial freedom. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    32 min

  3. MAR 3

    Ep 398: Why non-bank lenders can significantly extend your investment capacity

    Read Full Blog Here Register Here The lending landscape has changed dramatically over the past two decades, and the gap between traditional banks and non-bank lenders has never been wider. In this episode, Stuart breaks down the key differences between authorised deposit-taking institutions (ADIs) regulated by the Australian Prudential Regulation Authority (APRA) and non-bank lenders regulated primarily by the Australian Securities and Investments Commission (ASIC) under the NCCP framework. You’ll learn how banks fund loans using customer deposits protected by the Financial Claims Scheme, while non-banks typically rely on securitisation and bond markets. Stuart explains why non-banks aren’t subject to APRA’s macroprudential limits, including serviceability buffers and debt-to-income caps, and how this can translate into materially higher borrowing capacity. He also unpacks the important nuances around offset account structures with non-banks, potential risks in a lender failure scenario, and why funding costs can shift independently of the RBA cash rate. Most importantly, Stuart explores how using a non-bank lender strategically can accelerate wealth creation, particularly in property investing, where access to finance often matters more than marginal differences in interest rates. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    35 min

  4. MAR 2

    Q&A - Buy the dream home or optimise the structure? Leveraging smartly in your late 30s and 40s

    In this strategic Q&A episode, Stuart explores two thoughtful listener scenarios centred on structure, leverage, and long-term optionality. First, a high-earning couple in their late 30s with significant cash, shares, super, and a lowly geared investment property wrestle with how much to spend on a future family home. Should they stay underleveraged and preserve their income-producing assets, or sell shares and property to secure a higher-quality principal residence? Stuart unpacks how to think about asset quality, sequencing, tax efficiency, and the hidden opportunity cost of “putting all your eggs” into the family home. Then, a financially literate PAYG professional navigating redundancy, career reset, and decision fatigue asks the big structural questions: When does a family trust actually make sense? Is there a trigger point for setting up an SMSF? And how do you assess whether financial advice is worth the cost? Stuart walks through the practical thresholds, behavioural considerations, and regulatory realities that should inform those decisions, particularly for single professionals rebuilding momentum. This episode is about clarity over complexity, understanding when to introduce new structures, when to simplify, and how to align wealth-building decisions with lifestyle, risk tolerance, and long-term independence. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    35 min

  5. FEB 24

    Ep 397: Australian vs International Shares: Why the 45:55 split does not add up

    Read Full Blog Here Why do most diversified Australian portfolios still allocate nearly half of their equity exposure to Australian shares, when Australia represents only around 2% of the global share market? In this episode, we challenge the traditional 45/55 split between Australian and international equities and examine whether it truly makes sense in today’s global economy. Campbell breaks down the most common arguments for maintaining a heavy domestic allocation, franking credits, reduced currency risk, higher dividend yields, lower volatility, and familiarity, and tests whether they justify such a significant home bias. While franking credits provide a real and measurable benefit, he explores why that benefit may be meaningful but not transformational. He also unpacks the realities of currency hedging, sector concentration, tax efficiency, and long-term compounding. Australia’s share market is highly concentrated in banks and miners, with limited exposure to fast-growing sectors like technology. Over the past decade, global markets have outperformed, largely due to stronger earnings growth and broader diversification. Yet over 30 years, returns have been surprisingly similar, which raises a more important question: what does the future likely reward? Campbell also discusses how the investor stage matters. Retirees seeking income may prefer higher domestic exposure. Accumulators focused on long-term after-tax compounding may benefit from greater global diversification and capital growth orientation. This episode isn’t about abandoning Australian shares. It’s about thinking more critically about where new investment dollars should go and whether the default allocation most Australians inherit is grounded in evidence, or simply habit. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    27 min

  6. FEB 23

    Q&A - Structuring for smarter retirement: capital losses, property fatigue & the upgrade dilemma

    In this strategy-heavy Q&A episode, Stuart tackles sophisticated portfolio questions from high-income earners and mid-life investors recalibrating their next move. A key theme is structure when (and whether) to introduce a family trust, how to think about carried-forward capital losses, and whether tax optimisation today outweighs flexibility tomorrow. For one couple with substantial capital loss carry-forwards, the discussion explores whether to deliberately realise gains to “use them up” or stay focused on optimal long-term asset allocation. Stuart also weighs in on when advice and trust structures meaningfully add value versus when they add cost and complexity. Another listener considers transitioning from a property-heavy portfolio into ETFs over the next decade. Stuart unpacks how to diversify intelligently, manage risk sequencing in the final accumulation years, and avoid trying to time the market with lump-sum investments. The episode also revisits the ever-present PPOR upgrade dilemma: is taking on new debt in your mid-40s worth it if early retirement is within reach? And for younger, debt-free families, does reintroducing leverage via investment property make sense, or is simplicity underrated? A thoughtful episode on tax, temperament, and structuring wealth for optionality, not just returns. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    37 min

  7. FEB 17

    Ep 396: The AI trade – what can we learn from the dot-com bubble?

    Read Full Blog Here AI has moved from buzzword to investment obsession almost overnight. From semiconductors and data centres to software platforms and critical minerals, “the AI trade” has become shorthand for backing the companies expected to benefit most from this technological shift. But before assuming today’s obvious winners will still look obvious in a decade, it’s worth revisiting the last time a world-changing technology captivated markets. In this episode, Stuart unpacks what really happened during the dot-com bubble and where investors went wrong. The internet thesis was correct. The valuations were not. Many of the most celebrated companies of 2000 ultimately destroyed long-term shareholder value, despite the technology itself reshaping the world; only a handful adapted and endured. He explores the parallels with AI today: sky-high expectations, capital flooding into perceived winners, and the growing belief that “this time is different.” We also examine why many of the true long-term winners may not yet exist, and why broad market exposure may already capture much of AI’s eventual impact. Most importantly, Stuart explains why you don’t need to predict the winners to benefit. History suggests that trying to identify and then time the next dominant technology companies is far harder than it looks. Instead, a rules-based, diversified approach allows markets to sort winners from losers over time. AI may well be the most significant technological advancement of our generation. But that doesn’t mean your investment strategy needs to change. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    27 min

  8. FEB 16

    Q&A - Dream Homes, big incomes & borrowing power: When to upgrade, wait, simplify

    In this Q&A episode, Stuart unpacks a series of high-stakes property and borrowing decisions from listeners at very different life stages, from a 24-year-old with rising income and growing capacity, to high-earning families juggling multiple investment properties and eyeing $3–4 million dream homes. A central theme emerges: just because you can borrow more, doesn’t always mean you should. Stuart explores how to think about deploying large cash reserves, whether selling investment assets to fund a principal residence makes sense, and how to avoid eroding long-term optionality when upgrading lifestyle. He also tackles the “forever home” dilemma: buy now and risk stretching too far, or wait and risk being priced out? For younger investors, the discussion turns to optimising borrowing capacity early, debt recycling, and the trade-offs between renovating, investing, and preserving flexibility. For established professionals approaching their 50s, Stuart examines timing decisions around relocating, selling the family home, and managing tax efficiency across structures like trusts and SMSFs. This episode is a deep dive into strategic sequencing, how to align property decisions, leverage, and lifestyle goals without compromising long-term financial independence. My new book out in 2026: To join the pre-order waitlist and get a bonus. More info go to: http://www.investopoly.com.au/book Do you have a question for the podcast? Email us at questions@investopoly.com.au. If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: http://www.investopoly.com.au/email Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

    31 min
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Hosts & Guests

About

Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies. You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.auWe also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.

Information

  • Creator
    Stuart Wemyss & Campbell Wallace
  • Years Active
    2018 - 2026
  • Episodes
    514
  • Rating
    Clean
  • Copyright
    © 2026 Investopoly
  • Show Website
    Investopoly

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